Should I ask to DTR?

Anonymous
I’m at this university in KY 25(F) and met a guy 26(M) last semester from CA. Near the end, I finally agreed to hang out with him which ended in hooking up. He had said he was going home and not returning in the spring, so I assumed I’d never see him again.
Around welcome week, he messaged asking if I missed him as he was coming back. We didn’t get to meet up again until Valentine’s Day when I went to his apartment and reconnected, mostly physically.
Since then, it’s become a regular thing that I go to his place at least once a week, sometimes more often. We have gone out to lunch but mostly just order take out. He seems like a pretty sweet guy that wants a big family someday and to finish school so he can start building a more mature life for himself. He loves to cuddle and we have sexy time like once a week.
However we haven’t defined the relationship. As long as it’s gone on it feels like we’re dating, but I don't know how he feels for sure. He’s also asked for a small loan before and then changed his mind bc he didn’t want it to mess things up between us. The odd part is that he asked for us to get a loan together. I don’t have credit anyway bc I’m not in debt, but saw this as an opportunity. So I said that it wasn’t him but I’d only do that with someone I was in a serious relationship with and I didn’t think he was up for that, then explained about my non existing credit score. He left it on read.
I just don’t know the money thing is a flag to me but I also know he seems really interested when we’re together. He also tells me not to “share his sh*t” which means me with other guys.
He’s also trying to decide again if he’s even coming back next semester. I had planned to just wait until summer was over and if he’s back to ask for clarity from there. I like him already though and there’s 3 more weeks of school left so do I ask him now or just let things go until fall?
Should I ask to DTR?
3 Opinion